Graduation Cards

Here are a couple of grad cards I made using some Stampin’ Up accessories. These were “play as you go” cards so I cut and trimmed until I got the look I wanted and didn’t take measurements. 

On the female Grad Card I used half pearls for the buttons and the Scallop Trim Corner Punch for the collar similar to my Suit Dress Card . The diploma is a scrap of Whisper White rolled and tied with a ribbon. To make the cap look 3D I punched a large tag and folder the tapered part of the tag under and used it to attach the cap to the card. The stamp set is Well Scripted.

On the Male Grad card I used  Olive Satin Ribbon to make a tie similar to my Father's Day Card from a few years ago. The cap is a 2” x 2” square attached with some dimensionals. The stamp set is Sincere Salutations.

To make the tassels I wrapped some crochet cotton around 3 fingers then tied it in the centre with a separate piece of string.  Hold the tassel by the two strings you just tied and finger comb the loops downward. Tie an extra string around the loops about 1/8” down from the top and trim the bottom ends of the loops to make your tassel.

Comments

[click here]

left require higher credit scores so the meeting with the loan officer and determining how best to use your money is a must. sometimes even a slightly larger down payment can make a big different in your rate / payment.

[3 credit scores]

If you don't cancel them, they will still show as open accounts on your credit report, which could count against you.

[Bruno]

Cancel them first, then cut them up. (I prefer to cut them into tiny pieecs flush them down the toilet.) You can continue to pay the bill until it's paid off, but you won't be tempted to use it. If you don't cancel them, they will still show as open accounts on your credit report, which could count against you.

[Bhakta]

I cut mine up and paid online. It has abtleusoly worked to keep me from using them. I wouldn't cancel them if I were you. That actually does more damage to your credit than just leaving them open. The credit agencies are looking to see if you can use your credit wisely. All or nothing works against your credit.You do need the info on the cards if you want to cancel them, but if you abtleusoly need the physical card or number for anything, you can always request a new card. That's why I pay my bills online. I paid one off and when I felt ready to use it responsibly, all I had to do was go online, log in to my account, and request a new one. (My cards were still in tact when I set up my online payments.)I've since requested a new card, and I have in fact used it wisely! EDIT: Regarding animal lover's suggestion about freezing them . . . it doesn't work. I froze mine. Took less than five minutes to thaw them out.

[Lourdes]

the answer to that dendpes on your current credit score and the factors affecting it. you need to meet with a reputable mortgage loan officer, have your credit run and go over your finances (income and assets) with them. if, with the scores the way they are, you qualify for a new mortgage while carrying the debt then the choice is yours. if not, the loan officer should run a program called a credit analyzer which will tell you what debt to pay down and how much to pay and approximately what difference you can expect in you credit score. the goal of raising your score is to have you qualify for ALL future credit (your new mortgage, future credit cards, car loans and leases etc) at the lowest rate possible.keep in mind, many lenders are now eliminating no down payment and small down payment programs and many of the ones that are left require higher credit scores so the meeting with the loan officer and determining how best to use your money is a must. sometimes even a slightly larger down payment can make a big different in your rate / payment.